HELOC in ch 13 question

[OceanDreams]

My lawyer said I will be paying outside as it is current. thanks

[despritfreya]

Will our HELOC payment be part of our ch 13 payment or paid outside the plan? Thanks

If your payments are current, you will pay directly to the lender. If they are in default, you will have conduit payments (paid by tendering payments to the Trustee who will forward them to the lender).

Des.

[Carmella]

In Ohio I was able to pay the mortgage, the HELOC and the car payments outside of the plan.

[justbroke]

In Florida, the court would allow direct payment ("outside" the plan) if you are current and don't owe any arrears on the loan. As shipo wrote, it would depend on your specific situation.

[shipo]

That's more of a question for your attorney; for some plans, yes, for other plans, no.

[OceanDreams]

Will our HELOC payment be part of our ch 13 payment or paid outside the plan? Thanks